0% interest rates making a return?

[fordhouston]

I got this email today from the individual that sold me my F150. Not sure how valid it is but i hope it’s true cause that’ll give us consumers a sense of faith.

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[Rinn69]

Does it include 2024's ??

 

[Ryan.B]

0% for 60 months
1.9% for 72 months

I believe it’s for 2023 MY only.

 

[Etl330]

0% for 60 months
1.9% for 72 months

I believe it’s for 2023 MY only.

That’s a photo of a 24 in the email. Very interesting

 

[Manuel]

I know as soon as I take delivery of my 24, Ford is going to offer some better rates for them.

 

[fordhouston]

I know as soon as I take delivery of my 24, Ford is going to offer some better rates for them.

i’m thinking when March comes around for “truck month” then that’ll be the ball drop for sure lol.

 

[obiwankabaldi]

Mine was ordered on Nov 14th. In production since Jan

 

[Buyer2021]

Incidental tip:

IF 0% APR comes around AND you may ever be interested in a Ford Protect ESP offered at a competitive price by your vehicle dealer (e.g Granger Ford), don't overlook the advantage of buying the ESP up front and rolling the ESP cost into that 0% APR vehicle financing.

 

[Lavicors11]

I got this email today from the individual that sold me my F150. Not sure how valid it is but i hope it’s true cause that’ll give us consumers a sense of faith.

I wouldn’t really like to just play roulette with my credit if the interest rate later turns out to be other than 0. For this, I have https://playsafecasino.ca/casino-games/online-roulette/ with the best bonuses. Even without dealers, I can find the best sites to play when I need to feel the risk and excitement.

Curious how true this is.

 

[Mgrantham1683]

Incidental tip:

IF 0% APR comes around AND you may ever be interested in a Ford Protect ESP offered at a competitive price by your vehicle dealer (e.g Granger Ford), don't overlook the advantage of buying the ESP up front and rolling the ESP cost into that 0% APR vehicle financing.

Whats the advantage to having 2 warranties run concurrently? I imagine the esp is way cheaper at 0 miles correct?

 

[Buyer2021]

Whats the advantage to having 2 warranties run concurrently? I imagine the esp is way cheaper at 0 miles correct?

I think the only possible advantage during the 36/36 B-to-B overlap is if your dealer doesn't provide loaners and you take the optional rental coverage on the ESP (having a backup vehicle I did not take any rental coverage).

Of course, the ESP miles/months start at 0 miles and initial vehicle in-service date no matter when you buy the ESP.

The ESP is a bit cheaper with lower miles / time, but I don't recall the 'break points' on that.

The ESPs DO experience an inflation price adjustment (increase) more or less annually, so there's that.

One thing for sure, the ESP price is never going to be lower than at time of vehicle purchase.

I wouldn't buy an ESP up-front if you've any question about how long you'll keep the truck or if you don't already know you'll eventually get one.

But if you know you eventually will, and like me you have an opportunity to use Ford's 'free money' (0% APR) to fund it, buying it up-front makes financial sense IMO.

The exception might be if your vehicle dealer charges a jacked-up price for the ESP, then ya gotta sharpen your pencil on the financial analysis (just the opposite with my dealer Granger Ford where both trucks and ESPs are deeply discounted )

 

[fordhouston]

I imagine the esp is way cheaper at 0 miles correct?

100% correct!

 

[fordhouston]

Whats the advantage to having 2 warranties run concurrently? I imagine the esp is way cheaper at 0 miles correct?

@Granger Ford could you folks kindly chime in?

 

[Granger Ford]

@Granger Ford could you folks kindly chime in?

Correct, The esp is always going to be cheaper when the vehicle has the lowest miles. The price goes up at the 12mo/12,000 mile mark and then typically Ford has a price increase in October. Then again quite a bit after factory coverage ends and then you have to get a "used plan" and a vehicle inspection to get coverage. plus right now we are offering them at our cost and then also offering 0% financing (with a small admin fee) for 18 months on the ESPs!

 

[fordhouston]

Correct, The esp is always going to be cheaper when the vehicle has the lowest miles. The price goes up at the 12mo/12,000 mile mark and then typically Ford has a price increase in October. Then again quite a bit after factory coverage ends and then you have to get a "used plan" and a vehicle inspection to get coverage. plus right now we are offering them at our cost and then also offering 0% financing (with a small admin fee) for 18 months on the ESPs!

what is the cost of the admin fee?

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